I have been trying in good faith since February to work with Wells Fargo about my mortgage, only to have them lie, manipulate and tell half-truths to the extent my mortgage is now in foreclosure because I was unable to get a straight answer out of them.
Following is documentation showing the attempts I have made to work this out with them and the crap they have systematically done on their end to prevent this from happening.
In April, I was told I was "pre-approved" to pay "$1,000 on May 16th and then to resume regular payments in June. The amount I had missed before this would be added to the end of my loan. They would send me information on the paperwork and I was to return it by May 1st for it to be processed in time to go into effect. I faxed everything twice before May 1st. The first time to a person who I found out later apparently was going to have nothing to do with the case, and to a second person - Larry Hutson. I made several calls to him that went unreturned, and one the one or two times he did call back, all he said in the voicemail was that he called. I called him two weeks after I sent in the paperwork to find out where to send the check. I got Larry's voicemail, so I called the general number and was told Larry is no longer on the case, Serita is, but I shouldn't send the check. Serita told me Liz is now handling the case and I should talk to Liz, but refused to give me a number so I could reach Liz. Serita said Liz would call me.
On May 29th, Liz called to tell me she received an email from the underwriter telling me the workout had been denied. When I asked for a reason, she said she wasn't given one and they usually give one, but she would ask for one and get back to me. She asked me if I had spoken to Cheryl Bonson, and I told her it was the first time I had heard that name. Then she told me my mortgage was in foreclosure and was turned over to Stephenson and Sanford. However, she would find out the reason for denial and get back to me.
On May 30th, Liz called back and told me the sole reason my workout was denied was because I didn't respond to a letter sent to me by someone on April 9th. I told her I never got the letter and it didn't make sense that I wouldn't respond to it when I have been putting in all the time and effort with Wells Fargo to resolve this. I also asked why Wells Fargo never mentioned it in all of the times I spoke to people there. She responded that it was a procedural problem and she would bring it to her manager's attention to address.
So now she tells me that if I can come up with $3,020 in the next week and increase my payments for the next six months she would see if her investor would agree to this. (If she would get her investor to agree to that, then I would like to know why she couldn't get the investor to agree to the original workout.) I asked Liz who was the investor, and she refused to provide that information. Thursday is was an underwriter and Friday it is an investor who is making the decisions, but she refuses to name either one of these imaginary people.
On May 30, I called Stephenson and Sanford (the attorney's office who is handling the foreclosure) and spoke to Becky. She said Liz had just called there. I told her I was just trying to get some answers Wells Fargo refuses to give to me, and I wanted to know how much it would take to resolve this. She told me Wells Fargo makes those decisions, not them. Liz told me Stephenson and Sanford makes the decisions.
I would like them to be held to the original agreement of $1,000 and resume regular payments the following month. I was told I was pre-approved to do that and nothing I was told in all of the calls after that - until the games Liz started playing - indicated it would be any different. They keep making up the rules as they go along and then tries to punish me for not following them. If they don't have to follow their own rules, how can they punish me for not following them, especially when they refuse to even tell me what the rules are?
They keep trying to hide behind the fair debt collection act, but that act clearly prohibits manipulative and deceptive business practices.
Becky
Minneapolis, Minnesota
U.S.A.
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